Union County Savings Bank is a community bank headquartered in Elizabeth, New Jersey with $1.9 billion in total assets and four branches in Union County. The Bank was founded in 1883 to serve the local communities of Union and Essex Counties and remains strongly committed to these communities today. Show
Our MissionThe mission of Union County Savings Bank is to deliver unparalleled service to our customers and communities through our commitment to understanding their needs and offering the best products, services, and outreach to improve their financial lives. Our ServicesOur Bank offers personal checking accounts, savings accounts, money market accounts, CDs, personal loans, and mortgages. We also offer checking accounts, savings accounts, and loans for businesses. See our highly competitive rates here. Financing your home with us is smart. So is taking advantage of our personal banking services. We offer 35 full-service banking offices in Ohio, Indiana, Kentucky, and Pennsylvania and can help you manage your money and save for the future. Whether you’re looking for a checking account, savings account, direct deposit service, or IRA, we have the solutions to help you keep your personal financial situation on track and trending up. Our experienced representatives will help you understand all of our personal banking services Accounts and Services AvailableHere are just a few of the benefits that our customers enjoy. Visit a branch in your community to take advantage of the following services and benefits of being a Union customer.
Scroll right and left to compare accounts Visa debit/ATM card available Over 30,000 surcharge-free ATMs Free cashiers checks and money orders “Easy Pay” for mortgage loan payment* 24/7 automated customer service Overdraft transfer protection $2,500 min. for no fees,$5,000 min. forpremium interest *Participation in our automatic mortgage "Easy Pay" program for a minimum of 24 months is required in order to qualify for the cash bonus and other Advantage Checking benefits. Available to all Union Savings Bank consumer online banking customers. Union Savings Bank Mobile allows you to check balances, make transfers, pay bills, make deposits, and find locations. Available features include: Accounts Transfers Bill Pay Check Deposit Locations By clicking on the link below, you will leave the Union Bank website and enter a privately owned website created, operated, and maintained by another unaffiliated business. By linking to the website of this private business, Union Bank is not endorsing its products, services, or privacy or security policies. If you accept third-party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (for example, if the offer was made only through our site). The information that this private business collects and maintains as a result of your visit to its Web site, and the manner in which it does so, may differ from the information that Union Bank collects and maintains. (Refer to the Privacy & Security section for privacy protections Union Bank provides to its Web site visitors). If you provide the business with information, its use of that information will be subject to that business's privacy policy. We recommend you review their information collection policy, or terms and conditions to fully understand what that business collects. We are not responsible for the information collection practices of the other Web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. If you wish to continue to the destination link, press Continue. Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our partners, however, our opinions are our own. Terms apply to offers listed on this page. Albert Cash Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Albert's website Albert Cash Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Albert's website Albert Cash Account Learn more On Albert's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Up to 20% cash backCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive paychecks up to 2 days earlyCons Dash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. No option to overdraw fundsDash iconA dash. It often indicates an interaction to shrink a section. No way to deposit cashDash iconA dash. It often indicates an interaction to shrink a section. No joint accountsHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
2. Ally Interest Checking AccountAlly Interest Checking Account 4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.75 out of 5 Stars Annual Percentage Yield (APY) 0.10% to 0.25% Minimum Deposit Amount $0 View Full Details Learn More On Ally's website Ally Interest Checking Account 4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.75 out of 5 Stars Annual Percentage Yield (APY) 0.10% to 0.25% Minimum Deposit Amount $0 View Full Details Learn More On Ally's website Ally Interest Checking Account Learn More On Ally's website DetailsAnnual Percentage Yield (APY) 0.10% to 0.25% Minimum Deposit Amount $0 Editor's Rating 4.75/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.75 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APYCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No initial depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum account balanceCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service chargeCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Connect your account with ZelleCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Easy-to-use mobile appCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Reimburses up to $10/month in out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Online bill payCheck mark iconA check mark. It indicates a confirmation of your intended interaction. 24/7 customer serviceCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protectionCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical branch locationsDash iconA dash. It often indicates an interaction to shrink a section. No way to deposit cashHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 3. Ando SpendingAndo Spending Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On Ando's website Ando Spending Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On Ando's website Ando Spending Account Learn more On Ando's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount None Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive direct deposits up to 2 days early if you're eligible for Early PayCheck mark iconA check mark. It indicates a confirmation of your intended interaction. May overdraw up to $200 if you're eligible for Covered by AndoCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn 1.5% cashback on debit card purchasesCons Dash iconA dash. It often indicates an interaction to shrink a section. No joint accounts or secondary debit cardsDash iconA dash. It often indicates an interaction to shrink a section. $2.95 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. GreenDot will charge a fee when you deposit cashDash iconA dash. It often indicates an interaction to shrink a section. Can't overdraw more than $200HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 4. Andrews Federal Credit Union Online Checking AccountAndrews Federal Credit Union Online Checking Account 3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $5 View Full Details Learn more On Andrews Federal Credit Union's website Andrews Federal Credit Union Online Checking Account 3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $5 View Full Details Learn more On Andrews Federal Credit Union's website Andrews Federal Credit Union Online Checking Account Learn more On Andrews Federal Credit Union's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $5 Editor's Rating 3.75/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to 1 day earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection by linking to savings or using an overdraft line of creditCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Possible to waive monthly service feeCons Dash iconA dash. It often indicates an interaction to shrink a section. $1 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. $10 monthly service feeDash iconA dash. It often indicates an interaction to shrink a section. $32 overdraft feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 5. Axos Bank Essential CheckingAxos Bank Essential Checking 4.69/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.69 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On Axos's website Axos Bank Essential Checking 4.69/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.69 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On Axos's website Axos Bank Essential Checking Learn more On Axos's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount None Editor's Rating 4.69/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.69 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM fee reimbursementsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Multiple overdraft protection optionsCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical branch locationsDash iconA dash. It often indicates an interaction to shrink a section. Deposit cash through Green Dot, which may charge feesHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 6. Capital One 360 CheckingCapital One 360 Checking® 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 View Full Details Learn more On Capital One's website Capital One 360 Checking® 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 View Full Details Learn more On Capital One's website Capital One 360 Checking® Learn more On Capital One's website DetailsAnnual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 Editor's Rating 4.5/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balanceCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feeCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No foreign transaction feeCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Range of overdraft protection optionsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Processes direct deposits up to 2 days earlyCons Dash iconA dash. It often indicates an interaction to shrink a section. $2 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse out-of-network ATM feesDash iconA dash. It often indicates an interaction to shrink a section. Limited access to customer service by phoneHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 7. Cheese AccountCheese Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.30% to 3.00% Minimum Deposit Amount None View Full Details Learn more On Cheese's website Cheese Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.30% to 3.00% Minimum Deposit Amount None View Full Details Learn more On Cheese's website Cheese Account Learn more On Cheese's website DetailsAnnual Percentage Yield (APY) 0.30% to 3.00% Minimum Deposit Amount None Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn interestCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn higher interest for 30 days when you refer a friendCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn cash backCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Bilingual customer support (English and Mandarin)Cons Dash iconA dash. It often indicates an interaction to shrink a section. No option to overdraw fundsDash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse fees charged by out-of-network ATM providersDash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not dailyHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 8. Chime Checking AccountChime Checking Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Chime's website Chime Checking Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Chime's website Chime Checking Account Learn more On Chime's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Rounds debit card purchases up to the nearest dollar and puts spare change in your Chime Savings AccountCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft fees for overdrafts up to $200 with SpotMe, if you qualifyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No foreign transaction feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Request checks be sent to recipients onlineCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Can deposit cash at select retailersCons Dash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. No overdraft protection for overdrafts exceeding $200Dash iconA dash. It often indicates an interaction to shrink a section. No physical checkbookHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 9. Credit Karma Money SpendCredit Karma Money Spend Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Credit Karma's website Credit Karma Money Spend Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Credit Karma's website Credit Karma Money Spend Account Learn more On Credit Karma's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4.5/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Instant Karma gives you the chance to receive a purchase reimbursementCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical locationsDash iconA dash. It often indicates an interaction to shrink a section. No joint accountsDash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse fees charged by out-of-network ATM providersDash iconA dash. It often indicates an interaction to shrink a section. No way to deposit cashDash iconA dash. It often indicates an interaction to shrink a section. No option to overdrawDash iconA dash. It often indicates an interaction to shrink a section. Florida and New York residents are not eligible for Instant Karma benefitsHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
10. Current AccountCurrent Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 0% to 4% Minimum Deposit Amount $0 View Full Details Learn more On Current's website Current Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 0% to 4% Minimum Deposit Amount $0 View Full Details Learn more On Current's website Current Account Learn more On Current's website DetailsAnnual Percentage Yield (APY) 0% to 4% Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. 3 Savings Pods that let you earn up to 4% APYCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No instant transfer fees to other Current membersCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Debit card includedCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Budgeting tools: Round-ups and Spending InsightsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn cash back on debit card purchasesCons Dash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. Can't overdraw from your account without the Overdrive featureHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
11. Dave Spending AccountDave Spending Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Dave's website Dave Spending Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Dave's website Dave Spending Account Learn more On Dave's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No credit check requiredCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Dave card includedCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCons Dash iconA dash. It often indicates an interaction to shrink a section. $1 monthly membership feeDash iconA dash. It often indicates an interaction to shrink a section. 1% fee per transaction if you use Google Pay or Apple PayDash iconA dash. It often indicates an interaction to shrink a section. Doesn't allow you to overdraw from your accountDash iconA dash. It often indicates an interaction to shrink a section. Doesn't accept wire transfersDash iconA dash. It often indicates an interaction to shrink a section. Limited ways to deposit cashDash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
12. Dora Financial Everyday Checking AccountDora Financial Everyday Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Dora Financial's website Dora Financial Everyday Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Dora Financial's website Dora Financial Everyday Checking Account Learn more On Dora Financial's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Bank On certified bank accountCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No credit checkCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. App fully in English or SpanishCons Dash iconA dash. It often indicates an interaction to shrink a section. $1 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. Limited customer service supportHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
13. Fifth Third BankFifth Third Bank Momentum Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Fifth Third Bank's website Fifth Third Bank Momentum Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Fifth Third Bank's website Fifth Third Bank Momentum Checking Account Learn more On Fifth Third Bank's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service chargeCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited check writingCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protectionCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Fifth Third Extra Time waives some overdraft feesCons Dash iconA dash. It often indicates an interaction to shrink a section. $2.75 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. $37 overdraft feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
14. GTE Financial Full Access Checking AccountGTE Financial Full Access Checking Account 3.48/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.48 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On GTE Financial's website GTE Financial Full Access Checking Account 3.48/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.48 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On GTE Financial's website GTE Financial Full Access Checking Account Learn more On GTE Financial's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount None Editor's Rating 3.48/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.48 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Get your paycheck up to 1 day earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protection if you have another GTE Financial accountCons Dash iconA dash. It often indicates an interaction to shrink a section. Early direct deposits are $3 per paycheckDash iconA dash. It often indicates an interaction to shrink a section. $4.95 monthly service feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
This credit union has four checking accounts, including one for students. GTE Financial Full Access Checking is its most basic checking account, but all four offer early direct deposit. 15.Huntington Bank Perks CheckingHuntington Bank Perks Checking 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 0.02% Minimum Deposit Amount None View Full Details Learn more On Huntington Bank's website Huntington Bank Perks Checking 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 0.02% Minimum Deposit Amount None View Full Details Learn more On Huntington Bank's website Huntington Bank Perks Checking Learn more On Huntington Bank's website DetailsAnnual Percentage Yield (APY) 0.02% Minimum Deposit Amount None Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn interest on your moneyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn a higher rate on your Huntington savings or money market account when you have a Huntington 5 Checking AccountCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Waives/reimburses up to 5 out-of-network ATM fees per monthCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to two days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Monitor your credit scoreCheck mark iconA check mark. It indicates a confirmation of your intended interaction. $50 Safety Zone: No overdraft fees if you overdraw by $50 or lessCheck mark iconA check mark. It indicates a confirmation of your intended interaction. 24-hour grace period to avoid overdraft fees over $50Check mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protectionCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Open a Premier Savings account with no opening deposit or monthly fee when you have a checking accountCons Dash iconA dash. It often indicates an interaction to shrink a section. $10 monthly service fee if you don't qualify to have it waivedDash iconA dash. It often indicates an interaction to shrink a section. $3.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. $15 overdraft feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
16. Kinly AccountKinly Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Kinly's website Kinly Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Kinly's website Kinly Account Learn more On Kinly's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Kinly Visa Debit CardCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. May overdraw up to $100 with Kinly Overdraft, if you qualifyCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical locationsDash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. Can't overdraw over $100HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
17. LendingClubLendingClub Rewards Checking Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.00% to 0.15% Minimum Deposit Amount $25 to open, $2,500 to earn APY and 1% cash back on purchases View Full Details Learn more On LendingClub's website LendingClub Rewards Checking Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.00% to 0.15% Minimum Deposit Amount $25 to open, $2,500 to earn APY and 1% cash back on purchases View Full Details Learn more On LendingClub's website LendingClub Rewards Checking Account Learn more On LendingClub's website DetailsAnnual Percentage Yield (APY) 0.00% to 0.15% Minimum Deposit Amount $25 to open, $2,500 to earn APY and 1% cash back on purchases Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn 1% cash back on credit purchases if you have at a $2,500 balance on your accountCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn interest on your checking accountCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feeCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive your paycheck 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited refunds on out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection is available that lets you link to another accountCons Dash iconA dash. It often indicates an interaction to shrink a section. $25 minimum opening depositDash iconA dash. It often indicates an interaction to shrink a section. Must have $100,000 in your account to earn the highest APYDash iconA dash. It often indicates an interaction to shrink a section. $25 non-sufficient funds chargeDash iconA dash. It often indicates an interaction to shrink a section. $5 daily overdraft fee after the 5th straight day of a negative balanceDash iconA dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not dailyHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 18.Navy Federal Free Active Duty Checking™ Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 0.05% Minimum Deposit Amount $0 View Full Details On Navy Federal Credit Union's website Navy Federal Free Active Duty Checking™ Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 0.05% Minimum Deposit Amount $0 View Full Details On Navy Federal Credit Union's website Navy Federal Free Active Duty Checking™ Account On Navy Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.05% Minimum Deposit Amount $0 Editor's Rating 4.5/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Refunds up to $20 per month in out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive direct deposits one day before paydayCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee if you set up military direct depositsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Free personalized checksCheck mark iconA check mark. It indicates a confirmation of your intended interaction. 3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection serviceCons Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not dailyDash iconA dash. It often indicates an interaction to shrink a section. Free Active Duty Checking is only for active military, retired military, or reservistsHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 19. One accountOne account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 1.00% on your Save Pocket; 3.00% on your Auto-Save Pocket Minimum Deposit Amount $0 View Full Details Learn more On One's website One account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 1.00% on your Save Pocket; 3.00% on your Auto-Save Pocket Minimum Deposit Amount $0 View Full Details Learn more On One's website One account Learn more On One's website DetailsAnnual Percentage Yield (APY) 1.00% on your Save Pocket; 3.00% on your Auto-Save Pocket Minimum Deposit Amount $0 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn a high APY on your savings pocket and automatic savings pocketCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Use your debit card as overdraft protectionCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No fee for using an out-of-network ATMCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive paychecks sooner with early direct depositsCons Dash iconA dash. It often indicates an interaction to shrink a section. Only earn interest on up to a certain balanceDash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse any fees charged by out-of-network ATM providersDash iconA dash. It often indicates an interaction to shrink a section. You'll pay interest on overdraft line of credit if you don't repay the cash in a monthHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 20. Porte AccountPorte Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On Porte's website Porte Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount None View Full Details Learn more On Porte's website Porte Account Learn more On Porte's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount None Editor's Rating 4.5/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Mobile check depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive paychecks up to 2 days sooner with early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Contactless payment optionCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn cash back at select retailersCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Debt management toolsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Choose a charity, and Porte will donate moneyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Turn overdraft features on and offCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical branchesDash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. $20 overdraft feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 21. Regions Bank Regions Bank LifeGreen® Checking AccountRegions Bank LifeGreen® Checking Account 3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $50 View Full Details Learn more On Regions Bank's website Regions Bank LifeGreen® Checking Account 3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $50 View Full Details Learn more On Regions Bank's website Regions Bank LifeGreen® Checking Account Learn more On Regions Bank's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $50 Editor's Rating 3.5/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.5 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protection availableCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Receive qualifying direct deposits up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Possible to waive monthly service feeCons Dash iconA dash. It often indicates an interaction to shrink a section. $50 minimum opening depositDash iconA dash. It often indicates an interaction to shrink a section. $11 or $8 monthly service feeDash iconA dash. It often indicates an interaction to shrink a section. $3 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. $36 overdraft feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 22. Revolut AccountRevolut Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Revolut's website Revolut Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Revolut's website Revolut Account Learn more On Revolut's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Prepaid debit card included (specific card depends on monthly plan)Check mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Spend abroad in 140 currenciesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Budgeting featuresCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Withdraw up to $1,200 from out-of-network ATMsCons Dash iconA dash. It often indicates an interaction to shrink a section. Can't overdraw from accountDash iconA dash. It often indicates an interaction to shrink a section. 2% fee of ATM withdrawal on out-of-network ATM fees if you exceed the limitDash iconA dash. It often indicates an interaction to shrink a section. $0.30 to $6 international money transfer fee if you exceed limitHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
23. Service Credit UnionService Everyday Checking Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Service Credit Union's website Service Everyday Checking Account 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Service Credit Union's website Service Everyday Checking Account Learn more On Service Credit Union's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4.5/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM feeCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn up to $30 per month in out-of-network ATM refunds, depending on tier levelCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn up to 0.75% discount on certain loans, depending on tier levelCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Get paid up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Transfer funds from savings for overdraft protectionCons Dash iconA dash. It often indicates an interaction to shrink a section. No ATM fee refunds or loan discounts for Basic tierDash iconA dash. It often indicates an interaction to shrink a section. Limited fee refunds and loan discounts for Direct Deposit tierDash iconA dash. It often indicates an interaction to shrink a section. $5 overdraft transfer fee (no fee for Direct Deposit + tier)HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 24. Simmons Bank Coin Checking AccountSimmons Bank Coin Checking Account 3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Simmons Bank's website Simmons Bank Coin Checking Account 3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Simmons Bank's website Simmons Bank Coin Checking Account Learn more On Simmons Bank's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 3.75/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 3.75 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Simmons Bank Round-UpsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection availableCons Dash iconA dash. It often indicates an interaction to shrink a section. No checks includedDash iconA dash. It often indicates an interaction to shrink a section. $3 paper statement fee (no fee for online statements)Dash iconA dash. It often indicates an interaction to shrink a section. $36 overdraft feeDash iconA dash. It often indicates an interaction to shrink a section. $10 overdraft transfer feeDash iconA dash. It often indicates an interaction to shrink a section. No reimbursements on out-of-network ATM feesHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
25. SoFi Checking and SavingsSoFi Checking and Savings 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) A tooltip Rates as of 11/30/22 1.20% to 3.50% Minimum Deposit Amount $0 View Full Details Learn more On SoFi's website SoFi Checking and Savings 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) A tooltip Rates as of 11/30/22 1.20% to 3.50% Minimum Deposit Amount $0 View Full Details Learn more On SoFi's website SoFi Checking and Savings Learn more On SoFi's website DetailsAnnual Percentage Yield (APY) 1.20% to 3.50% Rates as of 11/30/22 Show more Minimum Deposit Amount $0 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. High interest rateCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn a higher interest rate if you set up direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Up to $300 bonusCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn up to 15% cash back at local retailers if you use a SoFi debit cardCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No-fee overdraft coverage if you overdraw up to $50Check mark iconA check mark. It indicates a confirmation of your intended interaction. Savings toolsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Joint account availableCons Dash iconA dash. It often indicates an interaction to shrink a section. Declined purchase if you overdraw by more than $50Dash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse out-of-network ATM providers' feesDash iconA dash. It often indicates an interaction to shrink a section. May deposit cash at Green Dot locations but there's a $4.95 feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 26. Spruce Spending AccountSpruce Spending Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Spruce Banking's website Spruce Spending Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn more On Spruce Banking's website Spruce Spending Account Learn more On Spruce Banking's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum balanceCheck mark iconA check mark. It indicates a confirmation of your intended interaction. $20 bonus if you meet the requirements by April 20, 2022Check mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Courtesy Coverage that covers a negative balance of up to $20 if you meet the requirementsCons Dash iconA dash. It often indicates an interaction to shrink a section. Unable to overdraw your accountDash iconA dash. It often indicates an interaction to shrink a section. $3 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. $4.95 fee for bank teller cash withdrawalsHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
27. USAAUSAA Classic Checking 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.01% on balances of $1,000 or more Minimum Deposit Amount $25 View Full Details Learn more On USAA's website USAA Classic Checking 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 0.01% on balances of $1,000 or more Minimum Deposit Amount $25 View Full Details Learn more On USAA's website USAA Classic Checking Learn more On USAA's website DetailsAnnual Percentage Yield (APY) 0.01% on balances of $1,000 or more Minimum Deposit Amount $25 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Reimburses up to $10 in out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protection is availableCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Access to 1,200 free USAA ATMsCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Access 60,000 USAA-preferred ATMs nationwide (Allpoint, MoneyPass, and PNC Bank ATMs)Cons Dash iconA dash. It often indicates an interaction to shrink a section. $2 transaction fee on USAA-preferred ATMs if you exceed the limit (10 free withdrawals per month)HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 28. Varo Checking AccountVaro Checking Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn More On Varo Bank's website Varo Checking Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) None Minimum Deposit Amount $0 View Full Details Learn More On Varo Bank's website Varo Checking Account Learn More On Varo Bank's website DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No foreign transaction feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Get your paycheck up to 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft fees on overdrafts up to $50, if you qualify for No Fee OverdraftCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Earn cash-back rewardsCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical branch locationsDash iconA dash. It often indicates an interaction to shrink a section. No overdraft protection if you overdraw by more than $50Dash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeDash iconA dash. It often indicates an interaction to shrink a section. No joint accountsHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 29. VyStar Credit UnionVyStar Credit Union Free Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 View Full Details Learn more On VyStar Credit Union's website VyStar Credit Union Free Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 View Full Details Learn more On VyStar Credit Union's website VyStar Credit Union Free Checking Account Learn more On VyStar Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% Minimum Deposit Amount $0 Editor's Rating 4/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Get paid two days early with direct depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protectionCons Dash iconA dash. It often indicates an interaction to shrink a section. $32 non-sufficient funds feeDash iconA dash. It often indicates an interaction to shrink a section. No reimbursements on fees charged by out-of-network ATM providersHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right 30. Wealthfront Cash AccountWealthfront Cash Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 3.80% Minimum Deposit Amount $1 View Full Details Learn more On Wealthfront's website Wealthfront Cash Account 4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Annual Percentage Yield (APY) 3.80% Minimum Deposit Amount $1 View Full Details Learn more On Wealthfront's website Wealthfront Cash Account Learn more On Wealthfront's website DetailsAnnual Percentage Yield (APY) 3.80% Minimum Deposit Amount $1 Editor's Rating 4.25/5A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.25 out of 5 Stars Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Pros Check mark iconA check mark. It indicates a confirmation of your intended interaction. Use as both a savings and checking accountCheck mark iconA check mark. It indicates a confirmation of your intended interaction. $1 opening depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service feesCheck mark iconA check mark. It indicates a confirmation of your intended interaction. FDIC insured for $2 millionCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Get paid 2 days earlyCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Access to a debit cardCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Mobile check depositCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Automatically move extra money into investments with AutopilotCheck mark iconA check mark. It indicates a confirmation of your intended interaction. Save for separate goals in one accountCons Dash iconA dash. It often indicates an interaction to shrink a section. No physical branch locationsDash iconA dash. It often indicates an interaction to shrink a section. To deposit cash, pay a fee at a Green Dot locationDash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM feeHighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.More Information
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Read our review Read Our ReviewA looong arrow, pointing right Frequently asked questionsHow do banks process your paycheck early? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. "From a technical standpoint, any bank is capable of getting you your paycheck up to two days early ... but they choose not to because they make money holding your paycheck hostage for a day or two," Kate Wauck, Vice President of Communications for Wealthfront, told Business Insider. "It's referred to as 'float' which is basically banks double-counting deposits for a short period of time before they clear the transaction so they can earn interest on both of the amounts," she continued. "A bank credits a customer's account as soon as a check is deposited. Until the check clears the account it's drawn on, the amount it's written for 'exists' in two different places, appearing in the accounts of both the recipient's and payer's banks. So a bank will earn interest on the amount twice. So as you can see there isn't huge incentive for banks to speed up the process because of float and their ability to double interest payments." Some banks choose not to hold onto your direct deposits, though, which can provide incentive for you to bank with the institution. What are the benefits of early direct deposits? Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options. Early direct deposits have two main perks:
Laura Grace Tarpley, CEPF Personal Finance Reviews Editor Laura Grace Tarpley (she/her) is a personal finance reviews editor at Insider. She edits articles about mortgage rates, refinance rates, lenders, bank accounts, wealth building, and borrowing and savings tips for Personal Finance Insider. She was a writer and editor for Insider's "The Road to Home" series, which won a Silver award from the National Associate of Real Estate Editors. She is also a Certified Educator in Personal Finance (CEPF). She has written about personal finance for over six years. Before joining the Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU. You can reach Laura Grace at [email protected]. Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services » Read more Read lessChime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Does Union have an app?The Union Bank Mobile Banking app helps you get more done in less time. Pay bills, transfer money or pay back a friend quickly and easily.
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Is UNION Savings BANK a local bank?We are UNION Savings BANK. A locally owned community bank made up of your friends and neighbors. We're focused on the helping you build an ideal financial future.
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